Condo Insurance in Florida for Unit Owners

What Condo Insurance Really Covers

Protection Beyond the Association Policy

Condo associations carry a master policy, but that policy does not fully protect your unit. Condo insurance, often called HO-6 coverage, helps cover what the master policy leaves behind, including your interior finishes, personal belongings, and personal liability.


For Florida condo owners, this is especially important in areas with rising rebuild costs and seasonal storm exposure. GM Insurance Underwriters helps unit owners across Jacksonville, the beaches, St. Augustine, and other Florida communities choose coverage that matches their building rules and personal needs.

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Matching Coverage to Your Building

Understanding Your Master Policy

Condo insurance starts with understanding what your association covers—and what it doesn’t. Because every building’s master policy is different, your personal policy must be aligned to the gaps that fall on the unit owner.

Setting dwelling limits for your interior unit

Reviewing association documents to define your responsibility

Covering upgrades like flooring, cabinetry, or countertops

Insuring personal property at accurate replacement values

Protecting against losses not covered by the master policy

Ensuring improvements and betterments are fully accounted for

Once we understand your building’s coverage, we tailor your policy to protect your unit, your belongings, and any upgrades you've invested in—so you’re not left with unexpected gaps when a claim happens.

Florida Add-ons that Matter For Condos

Water, Wind, and Higher Liability Limits

Florida condos face issues that show up again and again. Water damage from unit-to-unit leaks, wind-driven losses in storm season, and liability exposure in shared living spaces are common concerns. We help you choose endorsements and deductibles that fit your building’s history and your comfort level.


Flood damage is not included in most condo policies, so if your building sits near the Intracoastal, the St. Johns River basin, or low-lying inland areas with drainage trouble, a separate flood policy may be worth adding.

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Group 5

Questions Florida Condo Owners Ask First

  • Do I need condo insurance if the association has coverage?

    Yes. The master policy does not cover your personal belongings or your liability, and may not cover your interior.

  • How much condo insurance should I carry?

    Enough to rebuild your interior finishes and replace what you own. We will help calculate that based on your unit and the association policy.

  • Can I bundle condo and auto insurance?

    Yes. Bundling is often one of the easiest ways to reduce premiums if the carrier fits your needs.

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